Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : ISA-IEC-62443-IC32M
Exam Name : ISA/IEC 62443 Cybersecurity Fundamentals Specialist (Certificate 1)
Vendor Name : ISA
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ISA-IEC-62443-IC32M exam Format | ISA-IEC-62443-IC32M Course Contents | ISA-IEC-62443-IC32M Course Outline | ISA-IEC-62443-IC32M exam Syllabus | ISA-IEC-62443-IC32M exam Objectives
Exam Code: ISA-IEC-62443
Exam Name: ISA/IEC 62443 Cybersecurity Fundamentals Specialist (Certificate 1)
Purpose: Assesses understanding of fundamental cybersecurity concepts and terminology for securing industrial control systems, focusing on the ISA/IEC 62443 standards.
Format: Multiple-choice exam with 75–100 questions.
Duration: Typically 2–3 hours, depending on the testing center or proctoring method.
Delivery: Administered electronically through the Meazure Learning Testing Center, with options for in-person testing at a testing center or online proctoring from home.
Prerequisites: No formal prerequisites, but 3–5 years of IT cybersecurity experience, including 2 years in a process control engineering setting, is recommended. Familiarity with ISA/IEC 62443 standards is helpful.
The ISA/IEC 62443 Cybersecurity Fundamentals Specialist (Certificate 1) exam, offered by the International Society of Automation (ISA), focuses on foundational knowledge of cybersecurity for industrial automation and control systems (IACS) based on the ISA/IEC 62443 series of standards. This certificate is designed for professionals involved in IT and control system security roles who need to understand industrial cybersecurity terminology, concepts, and best practices. Below is a detailed breakdown of the key subjects covered in the exam, along with relevant terminologies, based on available information from ISA, training providers, and related resources.
1. Overview of ISA/IEC 62443 Standards
- ISA/IEC 62443 Series: A set of standards and technical reports developed by the ISA99 committee and adopted by the International Electrotechnical Commission (IEC) to address cybersecurity for IACS across industries like manufacturing, energy, and critical infrastructure.
- IACS (Industrial Automation and Control Systems): Systems used for controlling industrial processes, including SCADA (Supervisory Control and Data Acquisition), DCS (Distributed Control Systems), and PLCs (Programmable Logic Controllers).
- Shared Responsibility: The principle that cybersecurity in IACS involves collaboration among asset owners, system integrators, product suppliers, and service providers.
- Standards Structure: The ISA/IEC 62443 standards are organized into four layers:
- General: Covers terminology, concepts, and models (e.g., ISA-62443-1-1).
- Policies and Procedures: Focuses on cybersecurity management systems (CSMS) and program requirements (e.g., ISA-62443-2-1).
- System: Addresses system-level security requirements and risk exams (e.g., ISA-62443-3-2, ISA-62443-3-3).
- Component: Details product lifecycle and technical requirements for components (e.g., ISA-62443-4-1, ISA-62443-4-2).
- CSMS (Cybersecurity Management System): A framework for managing cybersecurity risks in IACS, including risk analysis, mitigation, and improvement.
- Security Lifecycle: A structured approach to managing IACS cybersecurity through phases like exam, design, implementation, operation, and maintenance.
- ISA99 Committee: The ISA committee responsible for developing the ISA/IEC 62443 standards.
2. Cybersecurity Fundamentals
- Differences Between IT and OT Security: IT focuses on data confidentiality, while OT (Operational Technology) prioritizes availability and safety of physical processes.
- Defense-in-Depth: A layered security approach using multiple countermeasures to protect IACS from threats.
- Zone and Conduit Model: A method to segment IACS networks into zones (groups of assets with similar security requirements) and conduits (communication paths between zones) to manage security risks.
- Cybersecurity Threats: Common threats to IACS, including malware, insider threats, and denial-of-service (DoS) attacks.
- OT (Operational Technology): Hardware and software that monitor or control physical devices and processes in industrial environments.
- SCADA: Systems for remote monitoring and control of industrial processes.
- Availability: Ensuring IACS systems remain operational to support critical processes.
- Confidentiality and Integrity: Protecting data from unauthorized access (confidentiality) and ensuring data accuracy (integrity).
- Malware: Malicious software designed to disrupt or damage IACS, such as viruses, worms, or ransomware.
3. Security Levels and Risk Assessment
- Security Levels (SLs): Defined in ISA/IEC 62443-3-3, these levels (SL 0 to SL 4) specify the degree of security required based on risk, with higher levels requiring more robust countermeasures.
- Risk Assessment: The process of identifying, analyzing, and prioritizing cybersecurity risks to IACS, including vulnerability exams and threat modeling.
- Cybersecurity Requirements Specification (CRS): A document that outlines security requirements for an IACS project based on risk exams.
- Vulnerability: A weakness in an IACS that can be exploited by a threat.
- Threat: A potential event that could harm an IACS, such as a cyberattack or human error.
- Risk: The combination of the likelihood of a threat exploiting a vulnerability and the resulting impact.
- Target Security Level (SL-T): The desired security level for a zone or conduit based on risk exam.
- Achieved Security Level (SL-A): The real security level after implementing countermeasures.
4. Industrial Protocols and Network Security
- Industrial Protocols: Protocols like Modbus, CIP (Common Industrial Protocol), Profibus, Ethernet/IP, and OPC used in IACS for communication.
- Network Security: Techniques to secure IACS networks, including firewalls, intrusion detection systems (IDS), and network segmentation.
- OSI Model: Understanding the Open Systems Interconnection (OSI) model layers (e.g., physical, data link, network, transport) as they apply to IACS networks.
- Modbus: A serial communication protocol widely used in industrial automation.
- CIP (Common Industrial Protocol): A protocol for industrial automation, used in Ethernet/IP and DeviceNet.
- Ethernet/IP: An industrial network protocol that uses Ethernet for real-time control.
- OPC (OLE for Process Control): A standard for data exchange in industrial automation.
- Firewall: A network security device that monitors and controls incoming and outgoing traffic.
- IDS/IPS: Intrusion Detection/Prevention Systems that monitor and respond to suspicious network activity.
5. Cybersecurity Management System (CSMS)
- CSMS Components: Includes risk analysis, addressing risks, and continuous improvement of cybersecurity processes.
- Security Policy Development: Creating policies to guide IACS cybersecurity practices, including access control and incident response.
- Patch Management: Processes for applying software updates to address vulnerabilities in IACS components.
- Patch Management: The process of identifying, testing, and applying software updates to IACS systems.
- Security Policy: A documented set of rules and procedures for protecting IACS.
- Incident Response: Procedures for detecting, responding to, and recovering from cybersecurity incidents.
- Change Management: Processes to manage updates or modifications to IACS to maintain security.
6. Current Trends and Threats in IACS Cybersecurity
- Trends: Increasing connectivity of IACS to IT networks, adoption of IoT (Internet of Things), and cloud-based control systems.
- Attack Methods: Techniques used by hackers, such as phishing, social engineering, exploits of unpatched systems, and supply chain attacks.
- Mitigation Strategies: Implementing countermeasures like encryption, authentication, and regular security audits.
- Phishing: A social engineering attack to trick users into revealing sensitive information.
- Exploit: A method to take advantage of a vulnerability in an IACS.
- Zero-Day Attack: An attack exploiting a previously unknown vulnerability.
- Supply Chain Attack: An attack targeting third-party suppliers to compromise IACS.
7. ISASecure and Certification
- ISASecure: A certification program that validates IACS components, systems, and processes against ISA/IEC 62443 standards.
- Certification Types: Includes certifications for devices, systems, processes, and personnel (e.g., CACE/CACS programs by exida).
- ISASecure Certification: A third-party validation of compliance with ISA/IEC 62443 standards.
- Security Development Lifecycle (SDL): A process for designing and developing secure IACS components (ISA/IEC 62443-4-1).
- CACE/CACS: exidas Cybersecurity Automation Competency Engineer/Specialist certifications for personnel.
- IACS: Industrial Automation and Control Systems
- CSMS: Cybersecurity Management System
- OT: Operational Technology
- SCADA: Supervisory Control and Data Acquisition
- Defense-in-Depth: Layered security approach
- Zone and Conduit: Network segmentation model
- Security Level (SL): Levels 0–4 defining security requirements
- Risk Assessment: Identifying and prioritizing risks
- Vulnerability: Weakness exploitable by a threat
- Threat: Potential harm to IACS
- Modbus/CIP/Ethernet/IP/OPC: Industrial communication protocols
- Patch Management: Applying software updates
- Incident Response: Handling cybersecurity incidents
- ISASecure: Certification program for IACS compliance
- Security Development Lifecycle (SDL): Process for secure product development
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Warum sind Cyberrisiken so schwer greifbar?
Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.
Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.
Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.
Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells
Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.
Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.
Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.
Nicht kriminelle Ursachen
Höhere Gewalt
Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.
Menschliches Versagen/Fehlverhalten
Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.
Technisches Versagen
Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.
Kriminelle Ursachen
Hackerangriffe
Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.
Physischer Angriff
Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.
Erpressung
Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.
Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:
Cyber-Kosten:
- Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
- Krisenkommunikation / PR-Maßnahmen
- Systemverbesserungen nach einer Cyber-Attacke
- Aufwendungen vor Eintritt des Versicherungsfalls
Cyber-Drittschäden (Haftpflicht):
- Befriedigung oder Abwehr von Ansprüchen Dritter
- Rechtswidrige elektronische Kommunikation
- Ansprüche der E-Payment-Serviceprovider
- Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
- Vertragliche Schadenersatzansprüche
- Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
- Rechtsverteidigungskosten
Cyber-Eigenschäden:
- Betriebsunterbrechung
- Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
- Mehrkosten
- Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
- Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
- Cyber-Erpressung
- Entschädigung mit Strafcharakter/Bußgeld
- Ersatz-IT-Hardware
- Cyber-Betrug
